A company has requested a $ 40 million loan from a banking institution in the country for a term of 10 years. In addition, the strategic planning management of this company estimates that inflation in the next 3 years will be 15%, in the subsequent 3 years it will be 18%, and in the last 4 years it is estimated that it will be 22%. On the other hand, the planning management considers that the banking institution thinking about the inflation rates that will prevail in the future, will charge